Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford F-350 Super Duty? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford F-350 Super Duty car insurance facts

  • Average full coverage auto insurance premium: $149/month

  • Most affordable companies: USAA ($96/month) & GEICO ($101/month)

  • F-350 Super Duty car insurance cost vs. average rates: $38 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford F-350 Super Duty by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford F-350 Super Duty insurer costs by state:

Risk factors affecting Ford F-350 Super Duty car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford F-350 Super Duty car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford F-350 Super Duty repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford F-350 Super Duty affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1837
Auto-Owners$1490
Cincinnati Insurance$2356
Direct Auto$2269
Erie$1693
GEICO$1266
Kentucky Farm Bureau$2023
Liberty Mutual$1814
MetLife$2526
Nationwide$1739
Plymouth Rock Insurance$1859
Progressive$1950
State Farm$1603
Tennessee Farmers$1345
Texas Farm Bureau$1728
The Hanover$2180
Travelers$1591
USAA$1162

Compare all 2021 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$1780

List Price

$35745

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited - Base Engine: 6.2-liter V-8 at 385 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1826
Auto-Owners$1476
Erie$1681
Farmers$1980
GEICO$1160
Liberty Mutual$1784
Mercury$1836
MetLife$2408
Nationwide$1720
Progressive$1942
State Farm$1599
Tennessee Farmers$1288
Texas Farm Bureau$1724
The Hanover$2134
Travelers$1580
USAA$1024

Compare all 2020 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$1726

List Price

$35550

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited - Base Engine: 6.2-liter V-8 at 385 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1587
Auto-Owners$1049
Erie$1249
GEICO$1020
Kentucky Farm Bureau$1835
Liberty Mutual$1490
Mercury$1691
MetLife$2061
Nationwide$1433
Progressive$1784
State Farm$1180
Tennessee Farmers$1035
Texas Farm Bureau$1345
The Hanover$1906
Travelers$1059
USAA$987

Compare all 2019 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$1530

List Price

$34320

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited - Base Engine: 6.2-liter V-8 at 385 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1146
Acuity$ 1146
American Family$ 1120
American Family$ 1120
Country$ 1061
Country$ 1061
Erie$ 645
Erie$ 645
GEICO$ 513
GEICO$ 513
Mercury$ 1211
Mercury$ 1211
Nationwide$ 938
Nationwide$ 938
Progressive$ 936
Progressive$ 936
State Farm$ 799
State Farm$ 799
Tennessee Farmers$ 1031
Tennessee Farmers$ 1031
USAA$ 751
USAA$ 751
Vermont Mutual$ 1118
Vermont Mutual$ 1118

Compare all 2018 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 976

List Price

$ 33700

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited

2017 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1127
Acuity$ 1127
American Family$ 1073
American Family$ 1073
Country$ 1044
Country$ 1044
Erie$ 594
Erie$ 594
GEICO$ 661
GEICO$ 661
Nationwide$ 942
Nationwide$ 942
Progressive$ 891
Progressive$ 891
Quincy Mutual$ 1107
Quincy Mutual$ 1107
State Farm$ 775
State Farm$ 775
Texas Farm Bureau$ 838
Texas Farm Bureau$ 838
USAA$ 737
USAA$ 737
Vermont Mutual$ 1065
Vermont Mutual$ 1065

Compare all 2017 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 981

List Price

$ 33230

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2016 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1024
American Family$ 1024
Country$ 1005
Country$ 1005
Erie$ 580
Erie$ 580
GEICO$ 646
GEICO$ 646
Nationwide$ 947
Nationwide$ 947
Progressive$ 863
Progressive$ 863
Quincy Mutual$ 1084
Quincy Mutual$ 1084
State Farm$ 743
State Farm$ 743
Tennessee Farmers$ 865
Tennessee Farmers$ 865
Texas Farm Bureau$ 822
Texas Farm Bureau$ 822
USAA$ 820
USAA$ 820
Vermont Mutual$ 1024
Vermont Mutual$ 1024

Compare all 2016 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 937

List Price

$ 32740

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2015 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1049
Acuity$ 1049
American Family$ 1030
American Family$ 1030
Country$ 980
Country$ 980
Erie$ 593
Erie$ 593
GEICO$ 590
GEICO$ 590
Nationwide$ 940
Nationwide$ 940
Progressive$ 880
Progressive$ 880
State Farm$ 692
State Farm$ 692
Tennessee Farmers$ 851
Tennessee Farmers$ 851
Texas Farm Bureau$ 806
Texas Farm Bureau$ 806
USAA$ 826
USAA$ 826
Vermont Mutual$ 941
Vermont Mutual$ 941

Compare all 2015 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 899

List Price

$ 31940

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2014 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 930
Acuity$ 930
American Family$ 901
American Family$ 901
Country$ 849
Country$ 849
Erie$ 547
Erie$ 547
GEICO$ 531
GEICO$ 531
Nationwide$ 892
Nationwide$ 892
Progressive$ 714
Progressive$ 714
Safeco$ 987
Safeco$ 987
State Farm$ 636
State Farm$ 636
Tennessee Farmers$ 800
Tennessee Farmers$ 800
USAA$ 694
USAA$ 694
Vermont Mutual$ 847
Vermont Mutual$ 847

Compare all 2014 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 788

List Price

$ 30390

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2013 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 922
Acuity$ 922
American Family$ 898
American Family$ 898
Country$ 875
Country$ 875
Erie$ 562
Erie$ 562
GEICO$ 550
GEICO$ 550
Nationwide$ 899
Nationwide$ 899
Progressive$ 756
Progressive$ 756
State Farm$ 638
State Farm$ 638
Tennessee Farmers$ 805
Tennessee Farmers$ 805
Texas Farm Bureau$ 763
Texas Farm Bureau$ 763
USAA$ 730
USAA$ 730
Vermont Mutual$ 849
Vermont Mutual$ 849

Compare all 2013 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 811

List Price

$ 30230

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2012 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 881
Acuity$ 881
American Family$ 874
American Family$ 874
Country$ 837
Country$ 837
Erie$ 547
Erie$ 547
GEICO$ 518
GEICO$ 518
Nationwide$ 866
Nationwide$ 866
Progressive$ 762
Progressive$ 762
State Farm$ 606
State Farm$ 606
Tennessee Farmers$ 775
Tennessee Farmers$ 775
Texas Farm Bureau$ 751
Texas Farm Bureau$ 751
USAA$ 671
USAA$ 671
Vermont Mutual$ 793
Vermont Mutual$ 793

Compare all 2012 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 783

List Price

$ 29445

Trims Available

XL - XLT - Lariat - King Ranch

2011 Ford F-350 Super Duty

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 953
Acuity$ 953
Allstate$ 915
Allstate$ 915
Country$ 815
Country$ 815
Erie$ 531
Erie$ 531
GEICO$ 517
GEICO$ 517
Nationwide$ 847
Nationwide$ 847
Progressive$ 732
Progressive$ 732
State Farm$ 597
State Farm$ 597
Tennessee Farmers$ 772
Tennessee Farmers$ 772
Texas Farm Bureau$ 735
Texas Farm Bureau$ 735
USAA$ 653
USAA$ 653
Vermont Mutual$ 777
Vermont Mutual$ 777

Compare all 2011 Ford F-350 Super Duty rates

Average Cost to Insure Per Year

$ 770

List Price

$ 29095

Trims Available

XL - XLT - Lariat - King Ranch